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SpinDistribute.com Article Directory

The following article was published in our article directory on November 12, 2011.
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When Can I Sign-up for Medicare?

Article Category: Advice

Author Name: J. Wellington

You can sign-up for Medicare part B in your initial enrollment period, when you turn sixty-five. The initial enrollment period is actually a seven month period that starts three months before the month you turn sixty-five, and ends three months after the month you turn sixty-five.

Where people get confused, is the actual start date for Medicare; since not everyone is born on the first of the month.

Let's say your birthday is on the 15th of August, and you enrolled in Medicare part B three months prior. This means your start date would be August 1st. If your birthday was on August 1st, and you enrolled in Medicare part B three months prior, your start date is July 1st.

Many seniors get confused, and end-up calling Medicare when it comes to their start date, so don't panic if you have a problem too.

If you did not sign-up for Medicare part B or A, when you were first eligible, you can always sign-up in the months of January 1st through March 31st each year. However, your coverage will not begin until July 1st of that year. In addition, you will pay a higher premium for enrolling late into Medicare. Figures!

If you had a group health plan, you may be eligible for a special enrollment for Medicare. You can sign-up for Medicare, anytime during employment or during the eight month period after your employment ends. Thank God for retirement!

Usually, you don't pay a penalty for this type of special enrollment, but don't hold your breath! The federal government likes to make the application process complicated.
In addition, if you don't have health care with your current employer, you're not eligible for any type of special enrollment benefits.

You may delay enrolling in Medicare part B until your COBRA coverage ends (which is often eighteen months), but be careful, the federal government will likely charge a penalty after eight months.

For those on TRICARE, which is coverage for active duty military and retirees, you must have Medicare part B to keep your TRICARE coverage throughout retirement. This is one of the reasons why this country has a huge debt (nothing is centralized).

A Medicare supplemental insurance policy open enrollment period begins when your turn sixty-five, and gives you a guaranteed right to buy any Medicare supplemental policy. This is actually the best time to buy a Medicare supplemental policy.

If you would like additional information, please click on the link below.

Keywords: Medicare, Medicare Supplemental Insurance, Medicare Supplemental Insurance Quote, Medicare Supplemental Insurance Rate, Medigap

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